XP Home has an administrator account also. It is usually kind of hidden but it is there. As far as Pro over Home I don't think there is any big difference for most users. Pro does allow for a 2 CPU system while Home does not. There are also some more bells and whistles in Pro and some fancier networking things. I have found for most of my customers Home is fine. Only for the real power users or pros do I offer Pro. If the $50 difference doesn't bother you then go for Pro.